Flood Insurance for Florida & Georgia Homes

From hurricane zones along the Florida coast to flood-prone areas in Georgia, we help homeowners, renters & landlords understand their risk - and get coverage that protects their property from rising water.

What’s Typically Covered

Standard flood insurance policies usually include:


  • Structural damage to your home caused by floodwater
  • Electrical & plumbing systems
  • Appliances like water heaters, refrigerators & built-ins
  • Foundation damage, walls & flooring
  • Personal belongings, furniture & clothing (depending on policy type)
  • Cleanup & debris removal costs


Flood insurance typically comes in two types:


  • Building Coverage (for the structure)
  • Contents Coverage (for belongings)



We'll help you determine what you need.

Add-Ons & Custom Coverage Options

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Excess Flood Coverage

For high-value homes needing limits above FEMA coverage

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Private Flood Insurance

Alternative to NFIP with flexible limits & shorter wait times

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Loss of Use

Covers temporary living expenses (available in select private plans)

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Replacement Cost Coverage

Provides full value for items instead of depreciated value


We'll walk you through what FEMA does or doesn't cover and whether private market options may be a better fit.

Florida & Georgia Flood Zones We Work In

We assist clients in both high- and moderate-risk flood areas:


  • Boynton Beach, FL
  • Boca Raton, FL
  • Fort Lauderdale, FL
  • Delray Beach, FL
  • Lake Worth, FL
  • Savannah, GA
  • Brunswick, GA
  • Macon, GA
  • Albany, GA
  • Coastal & inland flood zones throughout the Southeast

We'll review your address, look up your zone, and explain what coverage makes sense - even if it's not required by your lender.

Common Questions About Flood Insurance

  • Is flood insurance included in my homeowners policy?

    No. Homeowners insurance does not cover flood damage. You'll need a separate flood policy to be protected.

  • Do I need flood insurance if I'm not in a high-risk zone?

    Yes, it's often still a good idea. A large number of flood claims come from moderate or low-risk areas.

  • How long does it take for coverage to start?

    NFIP policies typically have a 30-day waiting period. Private policies may offer faster activation.

  • Can renters buy flood insurance?

    Yes. Renters can get contents-only flood coverage to protect personal items in case of flooding.

  • How much does flood insurance cost?

    It depends on your flood zone, elevation, home value & chosen limits. We'll help you get an accurate quote.

Why People Choose Us for Flood Insurance

Zone Checks & Risk Reviews

We'll confirm your zone, explain your flood map, and show you what's really required - not just what the bank tells you.

Options Beyond the Basics

We offer policies through both NFIP and private carriers - helping you choose the best value and coverage for your property.

Clear Answers from Local Agents

We'll explain deductibles, waiting periods & policy limits in plain English. No call centers. No guesswork.

Let's Talk Through Your Flood Risk

Whether you're in a required zone or just want peace of mind, we'll help you find a policy that protects your home - rain or shine.

Start your flood insurance quote today.